The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$38,342
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,534
−HK$1,212/mo
Today · 4.125%
HK$40,746
baseline
▲ 0.50% · 4.625%
HK$43,225
+HK$2,479/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,492/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,655
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,799
−HK$1,160/mo
Today · 4.125%
HK$44,959
baseline
▲ 0.50% · 4.625%
HK$47,329
+HK$2,370/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,918/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,010
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,441
−HK$1,454/mo
Today · 4.125%
HK$48,895
baseline
▲ 0.50% · 4.625%
HK$51,870
+HK$2,975/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$97,790/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,186
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,558
−HK$1,393/mo
Today · 4.125%
HK$53,951
baseline
▲ 0.50% · 4.625%
HK$56,795
+HK$2,844/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$107,902/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,678
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,348
−HK$1,696/mo
Today · 4.125%
HK$57,044
baseline
▲ 0.50% · 4.625%
HK$60,515
+HK$3,471/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$114,088/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,717
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,318
−HK$1,625/mo
Today · 4.125%
HK$62,943
baseline
▲ 0.50% · 4.625%
HK$66,261
+HK$3,318/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$125,886/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,015
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,162
−HK$2,181/mo
Today · 4.125%
HK$73,343
baseline
▲ 0.50% · 4.625%
HK$77,806
+HK$4,463/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$146,686/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,779
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,838
−HK$2,089/mo
Today · 4.125%
HK$80,927
baseline
▲ 0.50% · 4.625%
HK$85,192
+HK$4,265/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$161,854/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,549 · Scale 2, in force from 26 Feb 2026)